True or false Tom is cruising in his dad’s car without a license. There is coverage if he is in an at fault accident?
True
100
Your dog Buster is kept indoors while you are at work. You arrive home one evening to find the legs to your antique dining room table chewed.
What is No
100
This endorsement covers loans on Personal Property
What is Loss Payee
100
Ron runs a red light and hits another auto. The driver of the other auto has to rent a car for 2 weeks while her car is fixed. What coverage of Ron’s policy with this fall under?
A:Bodily injury
B: Uninsured motorist
C: Rental
D: Property damage
What is D -Property damage
200
Insured pays us the premium and in return the Insurance Company
provides the coverage is the meaning of what?
What is the Agreement
200
How many days does a customer have to tell their insurance company of a new car purchase if they carry Collision and Other than Collision on at least one of their other vehicles?
What is 14
200
Name 3 items that have special limitations of theft under the unendorsed HO3?
What is Jewelry, Furs, Watches, Firearms, Silverware, Money
200
This endorsement is used when you are renting your condo to others
What is Unit Owners Rental to Others
200
This is a supplemental agreement between the named insured and the insurer that modifies the basic policy in some way
What is an Endorsement
300
_______ means physical injury to, destruction of or loss of use of tangible property.
What is Property damage
300
The auto policy provides coverage for two major automobile exposures. What are they?
What is Property damage and liability
300
Coverage F is for what part of coverage under the home policy?
What is Medical
300
This endorsement extends Section II coverage to another residence that is rented
What is Additional Residence rented to others
300
Drive other car coverage is included in all but:
A] VEHICLE IS TITLED TO AN INDIVIDUAL OR HUSBAND AND WIFE WHO RESIDE IN THE SAME HOUSEHOLD
B] VEHICLE IS JOINTLY TITLED AND REGISTERED TO RELATIVES WHO DO NOT RESIDE IN THE SAME HOUSEHOLD
C] VEHICLE IS JOINTLY TITLED AND REGISTERED TO RELATIVES WHO RESIDE IN THE SAME HOUSEHOLD (OTHER THAN HUSBAND AND WIFE)
VEHICLE IS JOINTLY TITLED AND REGISTERED TO RELATIVES WHO DO NOT RESIDE IN THE SAME HOUSEHOLD
400
What type of liability is broken down per
person, per occurrence?
What is Split limit
400
Jack’s truck was stolen from his parking lot, He needs a rental to get to work. Jack has contacted the police. How soon can Jack get his rental under his policy ?
What is 48 hours after theft
400
My home is insured for $152000. How much is my other structures coverage? How much is my loss of use coverage?
What is Coverage B $15200, coverage D $45600
400
What is the limit of liability for theft of jewelry under the HO5 without endorsement?
What is $2500
400
Kates fully insured vehicle was damaged while parked in an area with flash flooding. What coverages will apply under her policy?
Other than Collision and Rental
500
What is the difference
between a risk and a peril?
A risk is a chance of loss
A Peril is a cause of loss
500
Name 4 of the 6 parts of automobile policy.
What is Part A Liability, Part B Medical, Part C Uninsured motorist, Part D Coverage for Damage to your Auto, Part E Duties after an accident or loss, Part F General Provisions
500
The Insured had a flood in her basement, she has damage to her personal property. What coverage does she have under the unendorsed HO3 policy?
No coverage, Ms would need a flood policy
500
What endorsement would extend liability coverage for a piano teacher, teaching private lessons in her home?
What is Permitted Incidental Occupancies ( Residence Premises)
500
How many days notice must we give if we cancel
for any reason at the anniversary date?